A Discover Card It Pays to Pay

Discover Financial Services, a unit of Morgan Stanley, is expected today to launch a new credit card -- dubbed Motiva -- that gives money to customers who pay their monthly bills on time.

Cardholders who make on-time payments six times in a row -- though not paying off the bill in full -- will receive an amount equal to the next month's interest as a bonus. The card, which doesn't have an annual fee, carries multiple interest rates...